Cruise insurance?

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First, DCGirl is incorrect about insurance coverage I'm an agent and I strongly recommend insurance for any clients that are leaving the US. The website you have is fine and offers a lot of different varieties of insurance, but unless you are 70+ you're best bet on insurance is a policy with Travelex or Travel Guard. The cruise line offers a flat rate for insurance but its more expensive than an independent policy, like those mentioned, and doesn't provide as much coverage.

The rest of my answer will be based on Travelex or Travel Guard, just to make things simple. These policies cover trip cancellation, trip delay/interruption, itinerary change, lost/damaged/delayed luggage, accidental death/ dismember-ment and, most importantly medical expenses & medical repatriation.

Trip cancellation is provides that once you've made final payment and you must cancel because of illness (doctor's note needed), death, injury, to you, travel partner, or immediatate family member, you would be reimbursed what you've paid into the trip. It has nothing to do with the cruise line cancelling. If they cancel a trip then they will reimburse you anyway.

Trip interruption would apply if the cruise line had to discontinue the cruise for whatever reason after it was underway.

Trip delay/missed connection is just that - you're on your way to the port and you missed your connection due to weather delays.

Lost/damaged/delayed baggage provides coverage in these situations.

Most importantly is medical coverage. Your health insurance does not cover you outside the US unless your have an international policy or you are military and have international coverage through the military. It worth the insurance if you get seasick and the doctor gives you an injection for the seasickness. That's about the cost of the insurance right there. No one ever thinks they are going to need medical attention when they're traveling, but what if you trip and break your ankle on a shore excursions? What if you break a glass in your cabin and need stitches for the cut? The situations are endless.

You will have to pay any expenses at the time and then file a claim to be reimbursed when you return, but both of the companies I've mentioned above, will bend over backwards to help a client with a claim.

Please make it a point never to travel without insurance. If you've saved and spent money for a cruise a few more dollars is not going to break you.

coolliz2444

No matter what anyone says Cruise insurance is the best way to go and everyone dealing with the cruises will tell you the same thing, I have never heard of that but he cruise line can offer you insurance and it will probably be a little bit higher and you dont need to spend tons of money on it but something basic but their is this site called travel guard and it works pretty well and they have a good recommendation so hope you have fun and bon voyage.

PR_DR

No, I've never heard of it, and I've been on a few cruises. The best way to insure anything if you are going on a cruise it just that, using the cruises' insurance that they offer. If not, they is fine print and clauses that they don't officially 'have' to tell you. Do your homework, log onto the Better Business Bureau and put in the information and make sure they are registered with the BBB, if not, do not get the insurance.

williamsv

no havent used that insurance

Curt

dcgirl

Usually trip insurance is a waste of money; it's too hard to qualify to make a claim because they have a ton of restrictions. The most common problem when taking a cruise is that the plane you take to get to the port is late, causing you to miss the cruise. So fly in a day early and spend a night in a hotel, and forget the trip insurance. Most of what they will cover you for is already covered by someone else--- they offer health coverage but your own health insurance covers that; cancellation coverage but if the cruise line cancels the trip, you get your money back anyway; lost baggage insurance, but it's the same value that the airline provides and you can't claim both on a lost bag.

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